We direct bill most insurance benefit providers
Both our Burlington and Hamilton clinics direct bill Manulife, Blue Cross, Canada Life, Sun Life, motor vehicle accident claims and WSIB - so you can focus on recovery, not paperwork.
Sterling Physiotherapy in Burlington offers direct billing to most major insurance providers, including Sun Life, Manulife, Blue Cross, Canada Life, Great-West Life, and Desjardins. This means you pay nothing out of pocket at the time of your appointment - we submit the claim to your insurance company directly and you receive only the balance owing, if any. WSIB and Motor Vehicle Accident (MVA) patients are also billed directly with no upfront payment required at our Burlington clinic.
Direct billing - also called assignment of benefits - means that Sterling Physiotherapy submits your insurance claim on your behalf after each appointment at our Burlington clinic. Rather than paying the full session fee upfront and waiting weeks for your insurance company to reimburse you, we handle all the paperwork and receive payment directly from your insurer.
Most patients with extended health benefits through their employer pay little or nothing at each visit. If your plan covers 80% of physiotherapy costs, for example, you would only pay the remaining 20% at the time of your appointment. Many Burlington patients are surprised to discover their insurance covers more than they expected.
If you are unsure what your plan covers, call us at (289)-401-2922 before your first appointment and our admin team will verify your benefits for you - at no charge.
Both our Burlington and Hamilton clinics direct bill Manulife, Blue Cross, Canada Life, Sun Life, motor vehicle accident claims and WSIB - so you can focus on recovery, not paperwork.
We offer direct billing to the following major insurance providers in Burlington:
Don't see your insurer on this list? Call us at (289)-401-2922 - we add new providers regularly and our Burlington team will check if direct billing is available for your plan.
Yes. Sterling Physiotherapy is an approved WSIB (Workplace Safety and Insurance Board) physiotherapy provider in Burlington. If you have been injured at work - whether along the Plains Road industrial corridor, in a Halton warehouse or at any Burlington workplace - and your claim has been approved by WSIB, we bill WSIB directly - you pay nothing for your physiotherapy treatments.
What you need to bring to your first WSIB appointment:
We treat all types of workplace injuries including back injuries, shoulder strains, repetitive strain injuries, slip and fall injuries, and post-fracture rehabilitation. Our WSIB physiotherapy page has full details on what to expect.
Not sure if you qualify for WSIB physiotherapy? You can visit wsib.ca or call our Burlington clinic and our team will help you understand the process.
Yes. If you were injured in a car accident in Ontario - including collisions on the QEW, Highway 403 or any Burlington road - your auto insurance policy covers physiotherapy rehabilitation through the Statutory Accident Benefits Schedule (SABS). Sterling Physiotherapy bills your auto insurer directly so you can focus entirely on your recovery.
Common conditions we treat for MVA patients in Burlington include:
You do not need to wait for a settlement to begin treatment. Physiotherapy can begin immediately after an accident and is fully covered under your auto insurance. Visit our MVA physiotherapy page for more information.
OHIP (Ontario Health Insurance Plan) does not cover private physiotherapy at clinics like Sterling Physiotherapy Burlington. However, physiotherapy is covered under most employer-provided extended health benefit plans, and through WSIB for workplace injuries and auto insurance for car accidents.
If you do not have extended health benefits, you can still access our Burlington services and pay privately. Session fees at Sterling Physiotherapy are $90-$115 per session. Contact us to discuss a treatment plan that fits your budget and recovery goals.
That's it. No forms to mail. No waiting for reimbursement cheques.
Our Burlington admin team will verify your physiotherapy and massage benefits with your insurer before your first visit - completely free. No surprises, no paperwork, no guesswork.
Direct billing typically applies to all insured physiotherapy and registered massage therapy services at Sterling Physiotherapy Burlington. This includes:
Coverage limits vary by insurance plan. Most plans have an annual maximum (e.g., $500-$1,500 per year for physiotherapy). Our Burlington admin team can help you track your remaining benefits throughout the year.
Your benefits work at either clinic. Burlington patients may book follow-ups at our Hamilton flagship (505 Rymal Rd E) - and Hamilton patients at our Burlington clinic - with shared records and identical direct billing handling.
Ready to start your recovery without the hassle of insurance paperwork? Book your appointment at Sterling Physiotherapy Burlington today. We serve patients from across Burlington including Millcroft, Roseland, Brant Hills, Headon, Tansley, Tyandaga, Appleby and Aldershot, plus neighbouring Oakville, Waterdown and Milton.
No referral needed. New patients welcome. Direct billing to most insurers.
Yes. If You And Your Spouse Each Have Group Benefits, You May Be Able To Use One Plan As Primary And The Other As Secondary (coordination Of Benefits), Potentially Covering 100% Of Your Costs At Our Burlington Clinic. Let Our Admin Team Know And We Will Coordinate Accordingly.
View MoreYes. Registered Massage Therapy At Our Burlington Clinic Is Direct Billed To Most Extended Health Plans, Exactly Like Physiotherapy. Bring Your Member ID And We Will Submit The RMT Claim On Your Behalf After Each Session.
View MoreNo. You Do Not Need A Referral To Book Direct Billing Physiotherapy In Ontario. However, A Small Number Of Insurance Plans Require A Physician's Referral Note For Reimbursement - Our Burlington Team Will Check Your Plan's Rules When We Verify Your Benefits.
View MoreYes. Pediatric Physiotherapy - Including Sports Injuries, Post-fracture Rehab And Posture Care - Is Covered Under Most Family Extended Health Plans, And We Direct Bill Those Claims For Burlington Families Just As We Do For Adults.
View MoreYes. Our Burlington Clinic Is An Approved WSIB Provider And Bills Motor Vehicle Accident Claims Directly Through The Statutory Accident Benefits Schedule, So Approved Patients Pay Nothing Out Of Pocket For Covered Treatments.
View MoreYes. Direct Billing Is Handled Identically At Our Burlington Clinic And Our Hamilton Flagship At 505 Rymal Rd E. Your Shared Patient Record Means You Can Switch Clinics Between Sessions Without Affecting Your Claims.
View MoreYou Pay Only The Uncovered Balance At The Time Of Your Burlington Appointment. If Your Plan Covers 80%, You Pay 20%. We Provide An Official Receipt For The Remainder So You Can Claim It Under Any Secondary Plan Or Health Spending Account.
View MoreBring Your Insurance Member ID Or Certificate Number, A Piece Of Photo ID, And - For WSIB Or MVA Claims - Your Claim Number And Adjuster Details. That's All Our Burlington Front Desk Needs To Submit Your Claim Electronically.
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